Self-Employed Mortgages in North London: One vs Two Years’ Accounts

Rayleigh/Wickford couple deciding between overpayments and savings

Running your own business shouldn’t hold you back. Many lenders will assess one year’s accounts (with conditions), while others prefer two. We’ll match you to the right policy for North London buyers and movers.

Say hello on our Contacts page. Learn more about our Mortgages services and add security via Protection.

How lenders assess income

  • Sole traders: SA302s + tax year overviews.

  • Limited company: salary + dividends (or sometimes retained profits).

  • Contractors: day-rate options may apply.

Improve approval odds

File current accounts early, keep business/personal banking tidy, and prepare ID & address history. We’ll package your case clearly for underwriters.

Meet your adviser: Maira Oliveira.